Saving behavior and cognitive abilities
实验发现储蓄行为存在可靠的个体差异，认知能力是预测行为和绩效的最强因素，表明解释动态决策异质性需关注认知约束。
Abstract Experiments on saving behavior reveal substantial heterogeneity of behavior and performance. We show that this heterogeneity is reliable and examine several potential sources of it, including cognitive ability and personality scales. The strongest predictors of both behavior and performance are two cognitive ability measures. We conclude that complete explanations of heterogeneity in dynamic decision making require attention to complexity and individual differences in cognitive constraints.